* { box-sizing: border-box; margin: 0; padding: 0; }

html, body {
  font-family: Arial, sans-serif;
  background: #f9f6f1;
  color: #111;
  overflow-y: auto;
  overflow-x: hidden;
}

/* HEADER */
header {
  background: #fff;
  border-bottom: 1px solid #ddd;
  padding: 0 40px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo { font-size: 20px; font-weight: 700; color: #0C2340; text-decoration: none; font-family: Georgia, serif; }
.logo em { color: #C9932A; font-style: normal; }
nav { display: flex; gap: 24px; }
nav a { font-size: 14px; color: #444; text-decoration: none; }
.header-btn { background: #C9932A; color: #fff; border: none; padding: 10px 20px; border-radius: 6px; font-size: 14px; font-weight: 700; cursor: pointer; }

/* HERO */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 640px;
}
.hero-image {
  overflow: hidden;
}
.hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.hero-text {
  background: #f9f6f1;
  padding: 60px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
}
.eyebrow { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: #C9932A; }
h1 { font-size: 48px; font-weight: 900; color: #0C2340; line-height: 1.05; font-family: Georgia, serif; }
.subhead { font-size: 22px; font-weight: 700; color: #1B5EA6; font-family: Georgia, serif; }
.body-text { font-size: 15px; color: #555; line-height: 1.7; }

/* FORM */
.form-box {
  background: #0C2340;
  border-radius: 10px;
  padding: 24px;
  color: #fff;
}
.form-box h2 { font-size: 18px; font-weight: 700; margin-bottom: 4px; font-family: Georgia, serif; }
.form-box p { font-size: 12px; color: rgba(255,255,255,0.6); margin-bottom: 14px; }
.form-box input {
  display: block;
  width: 100%;
  padding: 10px 14px;
  margin-bottom: 8px;
  border: none;
  border-radius: 6px;
  font-size: 14px;
}
.form-box button {
  width: 100%;
  background: #C9932A;
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 13px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  text-transform: uppercase;
}
.privacy { font-size: 11px; color: rgba(255,255,255,0.4); text-align: center; margin-top: 10px; }

/* TRUST BAR */
.trust-bar {
  background: #fff;
  border-top: 1px solid #eee;
  border-bottom: 1px solid #eee;
  padding: 28px 40px;
  display: flex;
  justify-content: center;
  gap: 60px;
}
.trust-item { text-align: center; }
.trust-item strong { display: block; font-size: 14px; color: #0C2340; }
.trust-item span { font-size: 12px; color: #999; }

/* FAQ */
.faq { padding: 64px 40px; background: #f9f6f1; }
.faq h2 { font-size: 28px; font-weight: 800; color: #0C2340; text-align: center; margin-bottom: 32px; font-family: Georgia, serif; }
.faq-list { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item { background: #fff; border: 1px solid #e5e7eb; border-radius: 10px; padding: 20px 24px; }
.faq-item h3 { font-size: 15px; font-weight: 700; color: #0C2340; margin-bottom: 6px; }
.faq-item p { font-size: 14px; color: #555; line-height: 1.6; }

/* FOOTER */
footer {
  position: relative;
  background: #0C2340;
  color: rgba(255,255,255,0.4);
  text-align: center;
  padding: 24px 40px;
  font-size: 12px;
  line-height: 1.8;
}
footer a { color: rgba(255,255,255,0.4); text-decoration: none; margin: 0 10px; }

/* MOBILE */
@media (max-width: 768px) {
  header { padding: 0 20px; }
  nav { display: none; }
  .hero { grid-template-columns: 1fr; }
  .hero-image img { height: 280px; }
  .hero-text { padding: 40px 20px; }
  h1 { font-size: 34px; }
  .trust-bar { flex-direction: column; gap: 20px; padding: 24px 20px; }
  .faq { padding: 40px 20px; }
}